Quarter 3 - 2024 Newsletter

Enclosed with this letter is a simplified summary of your investment account values as of

Sept. 30, 2024.  The quarter in brief as of 10/09/2024 (1)

                                                                          3 Month                    Year to Date

Dow Jones Industrial Average                           +7.00%                      +12.77%

S & P 500                                                             +2.64%                      +21.23%                 

S&P 500 Investment Grade Corp Bond Index    +6.41%                      +03.94%

Here is a quick and easy-to-remember summary of the principles that we follow as we invest and monitor your portfolios: 

•  Long-term compounding can help your investment grow, especially in qualified accounts such as IRA’s and Retirement Plans with their tax deferred growth.
• Endure short term pain for long term gain – the volatility we always talk about.
• Don’t put all of your eggs in one basket is the simplest way of saying you need to be diversified in the types of accounts you have as well as the investments inside each account.
• Make sure your time horizon matches your investments – don’t buy a stock if you will need the money within the next few months.
• Dollar cost average – invest regularly and systematically.
• Buy and hold – don’t buy and forget – meet with us regularly to review your portfolio.
  

Let us help - ensure - your portfolio is properly diversified and matched to your risk profile to help you remain invested for the long term. If you have any questions, please contact us to schedule a time to review your own retirement portfolio.